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				<h1>What to Expect from Your Initial Consultation</h1>
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					<p class="bluebox">For Starters... The First Hour is Completely FREE!</p>
					
					<h3>What You CAN Expect:</h3>
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						<li>Answers to your questions related to the personal property portion of your claim.</li>
						<li>Assistance with creating a plan to develop the inventory/content portion of your claim.</li>
						<li>Information defining common insurance terms and phrases. Including Replacement Cost, Actual Cash Value, and Like Kind and Quality.</li>
						<li>Information explaining the different processes an insurance carrier may use to expedite inventory and content claims; including why they use it and why you don’t have to.</li>
						<li>Information about the most commonly misunderstood clauses; like the replacement cost provision, 60 day Proof of loss clause, and the 180 days replacement cost clause. </li>
						<li>Explanation of the duty of different parties in the resolution of your claim.</li>
						<li>Referrals to other professional services if you need help outside our scope of available services.</li>
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					<h3>What NOT to Expect:</h3>

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						<li>We cannot communicate with your adjuster or insurance company on your behalf as this would be considered “adjusting your claim” and that is not in our scope of services.
						<li>We cannot provide legal advice.
						<li>We cannot answer questions about the dwelling or additional living expenses, we can refer you for a fee based consultation.
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						<h3>Did You Know...?</h3>
						<p>You have a duty under the policy to document, submit and prove your claim.</p>
						<p>You should NEVER throw out the damaged personal property until you have arrived at an agreement in writing with your insurance carrier of the value.</p>
						<p>You are not required under your policy to fill out your inventory on the paper forms or an online program the insurance carrier provides.  Most of the requested information is not necessary and is not required under the policy. Trying to fill in all the unnecessary information often overwhelms people for no purpose.</p>
						<p>The insurance company is NOT obligated to create your inventory. It is your right and your responsibility under the terms of your policy to create and submit a completed inventory.</p>
						<p>As a courtesy to you, your insurance carrier may conduct an inventory of their own. This inventory is a general inventory of damages, not a complete and detailed inventory of everything you had. Their valuation is simply an amount they are willing to pay unless and until you provide a more detailed list.</p>
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						<h3>What is a Public Adjuster?</h3>
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						<p>A <strong>public adjuster</strong> is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating a claimant's insurance claim.</p>
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